FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL OMB Number: 3235-0287 Expires: January 31, 2005 Estimated average burden hours per response... 0.5

(Print or Type Responses)

1. Name and Address of Reporting Person * FONG JESSE   2. Issuer Name and Ticker or Trading Symbol ELECTRONIC CLEARING HOUSE INC [ECHO] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) Vice President (Last) (First) (Middle) 730 PASEO CAMARILLO 3. Date of Earliest Transaction (Month/Day/Year) 05/23/2005 (Street) CAMARILLO, CA 93010 4. If Amendment, Date Original Filed(Month/Day/Year) 6. Individual or Joint/Group Filing(Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common 05/23/2005   S   1,000 D $ 9 2,250 (1) D   Common 09/20/2005   M   2,000 A $ 5.88 4,250 D   Common 09/20/2005   M   1,000 A $ 4 5,250 D   Common 09/20/2005   M   500 A $ 7 5,750 D   Common 09/20/2005   M   500 A $ 7 6,250 D   Common 09/20/2005   S   4,000 D $ 8.5 2,250 D   Common               304 (2) I By Spouse

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
	Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.		SEC 1474 (9-02)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code (Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Underlying Securities (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Common Stock Purchase Options

$ 5.88

09/20/2005

M

2,000

02/06/2001

02/06/2006

Common Stock

2,000

$ 5.88

25,000

D

Common Stock Purchase Options

$ 4

09/20/2005

M

1,000

11/04/2001

11/04/2006

Common Stock

1,000

$ 4

24,000

D

Common Stock Purchase Options

$ 7

09/20/2005

M

500

12/23/2003

12/23/2008

Common Stock

500

$ 7

23,500

D

Common Stock Purchase Options

$ 7

09/20/2005

M

500

12/23/2004

12/23/2009

Common Stock

500

$ 7

23,000

D

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
FONG JESSE 730 PASEO CAMARILLO CAMARILLO, CA 93010			Vice President

Signatures

Jesse Fong		09/22/2005
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Pursuant to a reconciliation of the Issuer's and Reporting Person's records regarding the Reporting Person's ownership of shares of the Issuer's capital stock, the total reported does not account for 28 shares previously reported as beneficially owned by the Reporting Person. The 28 shares were either erroneously reported as beneficially owned by the Reporting Person or were sold.
(2)	The Reporting Person may be deemed to beneficially own such securities, but disclaims beneficial ownership in such securities, except to the extent of the Reporting Person's pecuniary interest therein.

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.

Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB number.